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Chat retirement strategies with AARP’s Jean Setzfand today, Oct. 24th, at 2:00 p.m. ET

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Get your cheap on by finding great deals online

Free business cards: I'm so cheap that my "business card" consists of a self-inking rubber stamp containing my contact info — when we exchange cards, I'll ask for two of yours, stamp my info on the back of one and hand it back to you (seriously). But Vista Print provides free business cards (you pay shipping and they say "Free from Vista" on the back) that you design yourself online.

Free online hearing and vision tests: Online hearing and vision test sites  like www.freehearingtest.com and www.freevisiontest.com are not intended to replace the need for standardized tests conducted by qualified healthcare professionals. They are simply self-administered reference tests to help educate users about hearing and vision acuity.

Free annual credit reports: Under the Federal Fair Credit Reporting Act, you are guaranteed access to your credit report for free from each of the three nationwide credit reporting companies — Experian, Equifax and TransUnion — every 12 months. There are many companies online that promise you a free copy of your credit report, but most of them are scams. There is only one website — www.AnnualCreditReport.com — that is authorized to provide the free annual credit report that you are entitled to receive by law.

Free online jigsaw puzzles: I love putting together jigsaw puzzles, but once I've finished a puzzle, I rarely go back and do it again. Into the closet it goes. Here's a cool website where you can put together hundreds of puzzles online — for free — and save both money and space in your closets.  Plus, you'll never lose any pieces.

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